Then I went to work at the clearing house in accounting, compliance, and finally trading platform technologies.

Both have idealistic views that have changed multiple times during the entire primaries run.

I never even saw a primary residence loan program that was 100% No Doc.

You're looking for a primary residence, not an investment property.

Not exactly sure of what type of heating you are talking about, but, simplistically, heat rises, so I would expect a "ceiling" unit would have to work harder...I do know about ducting, and the primary issue with flexible vs. typical sheet metal is air flow.

Most include solar panels as the primary power generation source, solar panels are becoming cheaper and more efficient every day.

The cost of servicing the loan (interest amount in an amoritized loan) lowers over time.And perhaps I was unclear, this is property that I already own, currently it is my primary residence, finaced 30 yrs at 6%, have maybe 15% equity in.

Is it a rental, a flip, your primary residence, etc?

Currently this will be my first and primary residence, but I'm looking for a place I can develop - which is my long term goal.

If you have a HELOC on your primary residence you could use it to purchase the property.